personal.

Certificates

The more you know, the more you grow with Vibrant certificates

Watch your money grow steadily and securely with a Vibrant certificate account. We’ve got all sorts of certificate options, ranging from 1 to 5 years, so you can find an option to fit your needs.

What’s in it for me?

If you have money that you don’t need to use for a long period of time, a certificate might be right up your alley. The trade-off for not being able to touch your deposits for a long time is a higher interest yield—which is really worth the wait.

You can choose to have your dividends build monthly, quarterly or all at once when the account matures. At that point we offer automatic rollover, allowing you to reinvest the original certificate’s principal and interest into a new certificate for the same term.

40-Month Bump-Up Certificate

So you like the thought of investing in certificates? Well what about the flexibility of being able to increase your dividend rate? We give you the chance.

Should rates increase during the term of your certificate, we give you the ability to "bump up" to the new rate. Even if rates go back down during the term of the certificate, your certificate will continue to grow at the bumped up rate.

5-Year Add-On Certificate

Looking for an easy way to save that yields a high rate of return? A 5-year add-on certificate is like a certificate account in a savings account’s clothing.

Instead of locking away a lump sum on account opening day, you can arrange for weekly, semi-monthly or monthly deposits (or transfers). The more you add to your account over time, the higher your balance will be. And as that balance grows, so does your dividend.

Certificate Specials

Certificate Type

APY

60-Month Certificate < $250,000***

2.25%

60-Month Certificate > $250,000

2.75%

48-Month Certificate < $250,000**

2.35%

48-Month Certificate > $250,000

2.85%

33-Month Certificate

2.60%

6 Month

0.15%

40-Month Bump-Up Certificate+

1.26%

5 -Year Add-On Certificate*

2.02%

*During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. +During the term of the Bump-Up certificate, you may request that Vibrant raise your rate to the current Vibrant Credit Union published rate on the 40-month certificate. You will then earn the higher rate for the remainder of the term. You may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 6 month certificate. APY = Annual Percentage Yield. ^$5 minimum to open account. There may be a penalty for early withdrawal.

** For the 48 Month CD for anything under $250,000 the APY is 2.35% and the Interest rate is 2.329%. If funds are over $250k the entire balance will have an APY of 2.85% and earn an Interest Rate of 2.820%.

***For the 60 Month CD for anything under $250,000 the APY is 2.25% and the Interest Rate is 2.231%. If funds are over the $250k the entire balance will have an APY of 2.75% and earn an Interest Rate of 2.722%.